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Why North Carolina Has 5th Lowest Auto Insurance Rates in the US


Posted on Jan 08, 2013

North Carolina insurance dispute attorneys at Brent Adams & Associates help policy holders receive the full benefits they are entitled to as outlined in their policy. Property damage and personal injuries, whether they occur in a car accident or in your own home, are covered as outlined in an individual’s auto or homeowner’s insurance policy. When insurance companies deny claims, take unnecessary lengths of time to payout, or provide inadequate coverage, our insurance dispute attorneys in Raleigh, Fayetteville and Dunn step in to fight for the policy holder’s rights.

North Carolina auto insurance consistently ranks as one of the most affordable states in the country. Breaking the Top 20 list for low car insurance rates year after year, in 2012 North Carolina was the #5 state in the nation to have the most affordable auto insurance. With a growing population in suburban areas surrounding Raleigh and Charlotte, one of the many attractive features of living in North Carolina is the low cost of living.

Our Raleigh insurance dispute lawyers wanted to know: Why does North Carolina have such low auto insurance rates? According to insurance experts, North Carolina has:

  • Low population density in a large rural area
  • Top law enforcement
  • Well-maintained roads

These features mean that drivers are less at risk in North Carolina than other areas to be involved in a car accident. Combined with North Carolina’s contributory negligence laws, which state if a person is 1% at fault for an accident, then they are 100% at fault, personal injury lawsuits in North Carolina can be difficult for victims to win on their own. Contact a Raleigh personal injury lawyer to schedule a free and confidential consultation.

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